/* ==========================================================================
   Kefi — the financial girl
   Palette: Old-Money Blush — Ivory/Cream + Dusty Rose, with a brass/gold
   accent for that quiet-luxury, old-money finish. Deep espresso is used
   only for text/readability, never as a fill color.
   ========================================================================== */

:root {
  /* The two main light colors */
  --color-blush: #EFD9D6;
  --color-blush-soft: #F8ECE9;
  --color-cream: #FBF5EE;

  /* Deeper shade of blush, used ONLY for CTA buttons/accents */
  --color-rose-deep: #B4707C;
  --color-rose-deep-hover: #9C5C68;

  /* Brass/gold accent — the "old money" note */
  --color-gold: #B08D57;
  --color-gold-soft: #EFE3CC;

  /* Neutral text colors — not a "main" color, needed for readability */
  --text-dark: #2E2621;
  --text-muted: #7C6E68;
  --white: #FFFFFF;

  --border-soft: rgba(46, 38, 33, 0.09);
  --shadow-soft: 0 14px 34px rgba(180, 112, 124, 0.18);

  --radius-lg: 20px;
  --radius-md: 14px;
  --radius-sm: 10px;

  --font-heading: "Playfair Display", serif;
  --font-body: "Lato", sans-serif;
}

* { box-sizing: border-box; margin: 0; padding: 0; }

html { scroll-behavior: smooth; }

body {
  font-family: var(--font-body);
  color: var(--text-dark);
  background: var(--color-cream);
  line-height: 1.6;
  -webkit-font-smoothing: antialiased;
}

img { max-width: 100%; display: block; }

a { color: inherit; text-decoration: none; }

ul { list-style: none; }

h1, h2, h3 {
  font-family: var(--font-heading);
  font-weight: 600;
  line-height: 1.25;
  color: var(--text-dark);
}

.container {
  max-width: 1180px;
  margin: 0 auto;
  padding: 0 24px;
}

.container-narrow {
  max-width: 780px;
}

.section {
  padding: 96px 0;
}

.section-alt {
  background: var(--color-blush-soft);
}

.section-head {
  text-align: center;
  max-width: 640px;
  margin: 0 auto 56px;
}

.section-head h2 {
  font-size: clamp(28px, 3.2vw, 40px);
  margin: 10px 0 14px;
}

.section-head p {
  color: var(--text-muted);
  font-size: 17px;
}

.eyebrow {
  display: inline-block;
  font-family: var(--font-body);
  font-weight: 700;
  font-size: 12.5px;
  letter-spacing: 0.12em;
  text-transform: uppercase;
  color: var(--color-gold);
  background: var(--color-gold-soft);
  padding: 6px 14px;
  border-radius: 999px;
}

/* ---------------- Buttons ---------------- */
.btn {
  display: inline-flex;
  align-items: center;
  justify-content: center;
  gap: 8px;
  font-family: var(--font-body);
  font-weight: 700;
  font-size: 15px;
  padding: 13px 26px;
  border-radius: 999px;
  border: 2px solid transparent;
  cursor: pointer;
  transition: all 0.2s ease;
  white-space: nowrap;
}

.btn-primary {
  background: var(--color-rose-deep);
  color: var(--white);
}
.btn-primary:hover {
  background: var(--color-rose-deep-hover);
  transform: translateY(-1px);
}

.btn-outline {
  background: transparent;
  border-color: var(--color-rose-deep);
  color: var(--color-rose-deep-hover);
}
.btn-outline:hover {
  background: var(--color-blush-soft);
}

.btn-lg { padding: 16px 32px; font-size: 16px; }
.btn-block { width: 100%; }

/* ---------------- Announcement bar ---------------- */
.announce-bar {
  background: var(--text-dark);
  color: var(--color-gold-soft);
  text-align: center;
  font-size: 14px;
  padding: 10px 16px;
}
.announce-bar a {
  text-decoration: underline;
  font-weight: 700;
  color: var(--white);
}

/* ---------------- Header ---------------- */
.site-header {
  position: sticky;
  top: 0;
  z-index: 50;
  background: rgba(251, 245, 238, 0.92);
  backdrop-filter: blur(10px);
  border-bottom: 1px solid var(--border-soft);
}

.header-inner {
  display: flex;
  align-items: center;
  justify-content: space-between;
  gap: 24px;
  padding: 16px 24px;
}

.logo {
  display: flex;
  align-items: center;
  gap: 10px;
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 22px;
  color: var(--text-dark);
  letter-spacing: 0.01em;
}

.logo-tag {
  font-family: var(--font-body);
  font-weight: 400;
  font-size: 11px;
  letter-spacing: 0.1em;
  text-transform: uppercase;
  color: var(--color-gold);
  display: block;
  margin-top: -2px;
}

.logo-icon {
  color: var(--color-rose-deep);
  display: flex;
}

.logo-flag {
  font-size: 17px;
  line-height: 1;
  margin-left: -2px;
}

.main-nav {
  display: flex;
  gap: 30px;
  font-weight: 600;
  font-size: 14.5px;
}

.main-nav a:hover { color: var(--color-rose-deep-hover); }

.header-cta {
  display: flex;
  align-items: center;
  gap: 20px;
}

.nav-toggle {
  display: none;
  flex-direction: column;
  gap: 5px;
  background: none;
  border: none;
  cursor: pointer;
  padding: 6px;
}
.nav-toggle span {
  width: 24px;
  height: 2px;
  background: var(--text-dark);
  border-radius: 2px;
}

/* ---------------- Hero ---------------- */
.hero {
  padding: 84px 0 60px;
  overflow: hidden;
}

.hero-inner {
  display: grid;
  grid-template-columns: 1.1fr 0.9fr;
  gap: 56px;
  align-items: center;
}

.hero-copy h1 {
  font-size: clamp(34px, 4.6vw, 56px);
  margin: 16px 0 18px;
}

.hero-copy h1 em {
  font-style: italic;
  color: var(--color-rose-deep-hover);
}

.hero-sub {
  font-size: 18px;
  color: var(--text-muted);
  max-width: 520px;
  margin-bottom: 32px;
}

.hero-actions {
  display: flex;
  gap: 16px;
  flex-wrap: wrap;
  margin-bottom: 32px;
}

.trust-row {
  display: flex;
  flex-wrap: wrap;
  gap: 22px;
  font-size: 14px;
  font-weight: 600;
  color: var(--text-muted);
}
.trust-row li {
  display: flex;
  align-items: center;
  gap: 6px;
}
.trust-row svg { color: var(--color-gold); flex-shrink: 0; }

.hero-visual {
  position: relative;
  height: 420px;
}

.hero-blob {
  position: absolute;
  inset: 10% 8%;
  background: var(--color-blush);
  border-radius: 42% 58% 65% 35% / 45% 40% 60% 55%;
}

.hero-card {
  position: absolute;
  background: var(--white);
  border-radius: var(--radius-md);
  box-shadow: var(--shadow-soft);
  padding: 18px 20px;
  max-width: 220px;
}
.hero-card strong {
  display: block;
  font-family: var(--font-heading);
  font-size: 22px;
  color: var(--color-rose-deep-hover);
}
.hero-card span {
  font-size: 13px;
  color: var(--text-muted);
}
.card-float-1 { top: 8%; left: 0; z-index: 2; }
.card-float-2 { bottom: 6%; right: 0; z-index: 2; }
.card-float-2 .stars { color: var(--color-gold); font-size: 15px; margin-bottom: 4px; }

.hero-illustration {
  position: absolute;
  inset: 0;
  width: 78%;
  height: 78%;
  margin: auto;
  z-index: 1;
}

/* ---------------- Stats strip ---------------- */
.stats-strip {
  background: var(--color-rose-deep);
  padding: 36px 0;
}
.stats-grid {
  display: grid;
  grid-template-columns: repeat(4, 1fr);
  gap: 20px;
  text-align: center;
}
.stat strong {
  display: block;
  font-family: var(--font-heading);
  font-size: 28px;
  color: var(--white);
}
.stat span {
  font-size: 13px;
  color: rgba(255,255,255,0.85);
}

/* ---------------- Grid & cards ---------------- */
.grid { display: grid; gap: 28px; }
.grid-3 { grid-template-columns: repeat(3, 1fr); }

.card {
  background: var(--white);
  border-radius: var(--radius-lg);
  padding: 32px 28px;
  border: 1px solid var(--border-soft);
}

.service-card:hover, .testimonial-card:hover {
  box-shadow: var(--shadow-soft);
  transform: translateY(-3px);
  transition: all 0.25s ease;
}

.icon-badge {
  width: 52px;
  height: 52px;
  border-radius: var(--radius-sm);
  background: var(--color-blush-soft);
  color: var(--color-rose-deep-hover);
  display: flex;
  align-items: center;
  justify-content: center;
  margin-bottom: 18px;
}

.icon-badge-alt {
  background: var(--color-gold-soft);
  color: var(--color-gold);
}

.icon-badge-sm {
  width: 40px;
  height: 40px;
  flex-shrink: 0;
  margin-bottom: 0;
}

.icon-badge-lg {
  width: 72px;
  height: 72px;
  border-radius: var(--radius-md);
  margin: 0 auto 20px;
}

.service-card h3 { font-size: 19px; margin-bottom: 8px; }
.service-card p { color: var(--text-muted); font-size: 15px; }

/* Why us — split layout */
.why-us-grid {
  display: grid;
  grid-template-columns: 0.85fr 1.15fr;
  gap: 64px;
  align-items: center;
}
.why-us-visual svg { width: 100%; height: auto; display: block; }
.why-us-content .eyebrow { margin-bottom: 14px; }
.why-us-content h2 { font-size: clamp(26px, 3vw, 34px); margin-bottom: 20px; }

.bio-line {
  font-size: 16px;
  color: var(--text-muted);
  line-height: 1.7;
  margin-bottom: 32px;
  padding-left: 18px;
  border-left: 2px solid var(--color-gold);
}
.bio-line em { color: var(--color-rose-deep-hover); font-style: italic; }

.why-list { display: flex; flex-direction: column; gap: 24px; }
.why-list li {
  display: flex;
  gap: 16px;
  align-items: flex-start;
}
.why-list h3 { font-size: 16.5px; margin-bottom: 4px; }
.why-list p { color: var(--text-muted); font-size: 14.5px; }

/* Lessons gallery */
.gallery-grid {
  display: grid;
  grid-template-columns: repeat(3, 1fr);
  gap: 24px;
}
.gallery-tile {
  text-align: left;
  padding: 32px 28px;
  border-radius: var(--radius-lg);
  background: var(--white);
  border: 1px solid var(--border-soft);
  transition: all 0.25s ease;
}
.gallery-tile:hover {
  box-shadow: var(--shadow-soft);
  transform: translateY(-3px);
}
.gallery-tile .lesson-num {
  font-family: var(--font-heading);
  font-style: italic;
  color: var(--color-gold);
  font-size: 15px;
  margin-bottom: 10px;
  display: block;
}
.gallery-tile h3 { font-size: 18px; margin-bottom: 8px; }
.gallery-tile p { color: var(--text-muted); font-size: 14.5px; margin-bottom: 16px; }
.gallery-tile .lesson-link {
  font-size: 13.5px;
  font-weight: 700;
  color: var(--color-rose-deep-hover);
}

/* ---------------- Steps ---------------- */
.steps {
  display: flex;
  align-items: flex-start;
  gap: 12px;
  max-width: 980px;
  margin: 0 auto;
}
.step {
  flex: 1;
  text-align: center;
  padding: 0 12px;
}
.step-num {
  width: 46px;
  height: 46px;
  border-radius: 50%;
  background: var(--color-rose-deep);
  color: var(--white);
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 18px;
  display: flex;
  align-items: center;
  justify-content: center;
  margin: 0 auto 18px;
}
.step h3 { font-size: 18px; margin-bottom: 8px; }
.step p { color: var(--text-muted); font-size: 14.5px; }
.step-line {
  height: 2px;
  flex: 0 0 60px;
  background: var(--color-blush);
  margin-top: 23px;
}

/* ---------------- Savings Calculator ---------------- */
.calculator {
  display: grid;
  grid-template-columns: 1.3fr 1fr;
  gap: 44px;
  padding: 40px;
}

.calc-inputs {
  display: grid;
  grid-template-columns: 1fr 1fr;
  gap: 28px;
}
.calc-field-wide { grid-column: 1 / -1; }
.calc-field label {
  display: block;
  font-weight: 700;
  font-size: 14px;
  margin-bottom: 12px;
}

.stepper {
  display: flex;
  align-items: center;
  gap: 18px;
  background: var(--color-cream);
  border-radius: 999px;
  padding: 8px 14px;
  width: fit-content;
}
.stepper-btn {
  width: 32px;
  height: 32px;
  border-radius: 50%;
  border: none;
  background: var(--color-rose-deep);
  color: var(--white);
  font-size: 18px;
  line-height: 1;
  cursor: pointer;
  display: flex;
  align-items: center;
  justify-content: center;
  transition: background 0.15s ease;
}
.stepper-btn:hover { background: var(--color-rose-deep-hover); }
.stepper-value {
  font-family: var(--font-heading);
  font-weight: 700;
  min-width: 64px;
  text-align: center;
  font-size: 15px;
}

.pill-group { display: flex; flex-wrap: wrap; gap: 10px; }
.pill {
  padding: 10px 18px;
  border-radius: 999px;
  border: 1.5px solid var(--border-soft);
  background: var(--color-cream);
  font-family: var(--font-body);
  font-weight: 700;
  font-size: 14px;
  color: var(--text-muted);
  cursor: pointer;
  transition: all 0.15s ease;
}
.pill span { font-size: 11px; opacity: 0.85; margin-left: 3px; }
.pill.active {
  background: var(--color-rose-deep);
  border-color: var(--color-rose-deep);
  color: var(--white);
}
.pill:hover:not(.active) {
  border-color: var(--color-rose-deep);
  color: var(--color-rose-deep-hover);
}

.calc-result {
  background: var(--color-blush-soft);
  border-radius: var(--radius-md);
  padding: 30px 28px;
  display: flex;
  flex-direction: column;
  align-items: center;
  text-align: center;
  align-self: stretch;
}
.calc-result-label {
  font-size: 12.5px;
  font-weight: 700;
  letter-spacing: 0.06em;
  text-transform: uppercase;
  color: var(--text-muted);
}
.calc-price {
  display: flex;
  align-items: baseline;
  gap: 8px;
  margin: 10px 0 22px;
}
#calc-total {
  font-family: var(--font-heading);
  font-size: 44px;
  font-weight: 700;
  color: var(--color-rose-deep-hover);
}
.calc-per { color: var(--text-muted); font-size: 14px; }
.calc-breakdown { width: 100%; margin-bottom: 22px; }
.calc-breakdown li {
  display: flex;
  justify-content: space-between;
  padding: 9px 0;
  border-bottom: 1px solid var(--border-soft);
  font-size: 14px;
  color: var(--text-muted);
}
.calc-breakdown li:last-child { border-bottom: none; }
.calc-note { font-size: 12px; color: var(--text-muted); margin-top: 14px; }

/* ---------------- Packages / Pricing ---------------- */
.pricing-card {
  text-align: center;
  position: relative;
  display: flex;
  flex-direction: column;
}
.pricing-featured {
  border: 2px solid var(--color-rose-deep);
  transform: scale(1.03);
}
.badge-popular {
  position: absolute;
  top: -14px;
  left: 50%;
  transform: translateX(-50%);
  background: var(--color-rose-deep);
  color: var(--white);
  font-size: 12px;
  font-weight: 700;
  padding: 5px 14px;
  border-radius: 999px;
  letter-spacing: 0.04em;
}
.pricing-card h3 { font-size: 20px; margin-bottom: 12px; }
.price {
  font-family: var(--font-heading);
  font-size: 40px;
  font-weight: 700;
  color: var(--color-rose-deep-hover);
  margin-bottom: 20px;
}
.price span {
  display: block;
  font-family: var(--font-body);
  font-size: 13px;
  font-weight: 400;
  color: var(--text-muted);
}
.price-list {
  text-align: left;
  margin-bottom: 28px;
  flex-grow: 1;
}
.price-list li {
  padding: 8px 0;
  border-bottom: 1px solid var(--border-soft);
  font-size: 14.5px;
  color: var(--text-muted);
  position: relative;
  padding-left: 26px;
}
.price-list li::before {
  content: "✓";
  position: absolute;
  left: 0;
  color: var(--color-gold);
  font-weight: 700;
}

/* ---------------- Testimonials ---------------- */
.testimonial-card .stars { color: var(--color-gold); font-size: 16px; margin-bottom: 12px; }
.testimonial-card p { color: var(--text-dark); font-size: 15.5px; margin-bottom: 22px; font-style: italic; }
.testimonial-author { display: flex; align-items: center; gap: 12px; }
.avatar {
  width: 42px;
  height: 42px;
  border-radius: 50%;
  background: var(--color-blush-soft);
  color: var(--color-rose-deep-hover);
  font-family: var(--font-heading);
  font-weight: 700;
  font-size: 14px;
  display: flex;
  align-items: center;
  justify-content: center;
}
.testimonial-author strong { display: block; font-size: 14.5px; font-family: var(--font-body); }
.testimonial-author span { font-size: 13px; color: var(--text-muted); }

/* ---------------- FAQ ---------------- */
.faq-list { display: flex; flex-direction: column; gap: 12px; }
.faq-item {
  background: var(--white);
  border: 1px solid var(--border-soft);
  border-radius: var(--radius-md);
  padding: 18px 22px;
}
.faq-item summary {
  cursor: pointer;
  font-family: var(--font-heading);
  font-weight: 600;
  font-size: 16px;
  list-style: none;
  display: flex;
  justify-content: space-between;
  align-items: center;
}
.faq-item summary::-webkit-details-marker { display: none; }
.faq-item summary::after {
  content: "+";
  font-size: 22px;
  color: var(--color-rose-deep-hover);
  transition: transform 0.2s ease;
}
.faq-item[open] summary::after { transform: rotate(45deg); }
.faq-item p {
  color: var(--text-muted);
  font-size: 15px;
  margin-top: 14px;
}

/* ---------------- Contact ---------------- */
.contact-section { padding-bottom: 100px; }
.contact-grid {
  display: grid;
  grid-template-columns: 0.9fr 1.1fr;
  gap: 60px;
  align-items: flex-start;
}
.contact-info h2 { font-size: clamp(26px, 3vw, 34px); margin: 10px 0 16px; }
.contact-info p { color: var(--text-muted); margin-bottom: 28px; }

.contact-details { display: flex; flex-direction: column; gap: 16px; }
.contact-details li {
  display: flex;
  align-items: center;
  gap: 12px;
  font-size: 15px;
  font-weight: 600;
}
.contact-details svg { color: var(--color-rose-deep-hover); flex-shrink: 0; }

.quote-form {
  display: flex;
  flex-direction: column;
  gap: 18px;
  box-shadow: var(--shadow-soft);
}
.form-row { display: grid; grid-template-columns: 1fr 1fr; gap: 18px; }
.form-field { display: flex; flex-direction: column; gap: 6px; }
.form-field label { font-size: 13.5px; font-weight: 700; color: var(--text-dark); }
.form-field input,
.form-field select,
.form-field textarea {
  border: 1.5px solid var(--border-soft);
  border-radius: var(--radius-sm);
  padding: 12px 14px;
  font-family: var(--font-body);
  font-size: 15px;
  color: var(--text-dark);
  background: var(--color-cream);
  outline: none;
  transition: border-color 0.15s ease;
}
.form-field input:focus,
.form-field select:focus,
.form-field textarea:focus {
  border-color: var(--color-rose-deep);
}
.form-note { text-align: center; font-size: 13px; color: var(--text-muted); }

/* ---------------- Final CTA ---------------- */
.final-cta {
  background: var(--color-rose-deep);
  padding: 64px 0;
}
.final-cta-inner {
  text-align: center;
  display: flex;
  flex-direction: column;
  align-items: center;
  gap: 26px;
}
.final-cta h2 {
  color: var(--white);
  font-size: clamp(26px, 3.2vw, 36px);
  max-width: 600px;
}
.final-cta .btn-primary {
  background: var(--white);
  color: var(--color-rose-deep-hover);
}
.final-cta .btn-primary:hover { background: var(--color-blush-soft); }

/* ---------------- Footer ---------------- */
.site-footer {
  background: var(--color-blush-soft);
  padding: 64px 0 0;
}
.footer-grid {
  display: grid;
  grid-template-columns: 1.6fr 1fr 1fr 1fr;
  gap: 32px;
  padding-bottom: 48px;
}
.footer-logo { margin-bottom: 14px; }
.footer-grid > div:first-child p {
  color: var(--text-muted);
  font-size: 14.5px;
  max-width: 280px;
}
.footer-social { display: flex; gap: 12px; margin-top: 18px; }
.footer-social a {
  width: 36px;
  height: 36px;
  border-radius: 50%;
  background: var(--white);
  border: 1px solid var(--border-soft);
  color: var(--color-rose-deep-hover);
  display: flex;
  align-items: center;
  justify-content: center;
  transition: all 0.15s ease;
}
.footer-social a:hover {
  background: var(--color-rose-deep);
  color: var(--white);
  border-color: var(--color-rose-deep);
}
.footer-col { display: flex; flex-direction: column; gap: 12px; }
.footer-col h4 {
  font-family: var(--font-heading);
  font-size: 14px;
  margin-bottom: 6px;
  color: var(--text-dark);
}
.footer-col a, .footer-col span {
  font-size: 14.5px;
  color: var(--text-muted);
}
.footer-col a:hover { color: var(--color-rose-deep-hover); }

.footer-bottom {
  border-top: 1px solid var(--border-soft);
  padding: 22px 24px;
  font-size: 13.5px;
  color: var(--text-muted);
  text-align: center;
}

/* ---------------- Sticky mobile call button ---------------- */
.sticky-call {
  display: none;
  position: fixed;
  bottom: 18px;
  right: 18px;
  left: 18px;
  z-index: 60;
  background: var(--color-rose-deep);
  color: var(--white);
  font-family: var(--font-body);
  font-weight: 700;
  padding: 15px;
  border-radius: 999px;
  align-items: center;
  justify-content: center;
  gap: 8px;
  box-shadow: var(--shadow-soft);
}

/* ---------------- Responsive ---------------- */
@media (max-width: 960px) {
  .hero-inner { grid-template-columns: 1fr; }
  .hero-visual { height: 320px; margin-top: 20px; }
  .contact-grid { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .grid-3 { grid-template-columns: 1fr 1fr; }
  .stats-grid { grid-template-columns: repeat(2, 1fr); }
  .why-us-grid { grid-template-columns: 1fr; gap: 40px; }
  .why-us-visual { max-width: 360px; margin: 0 auto; }
  .gallery-grid { grid-template-columns: repeat(2, 1fr); }
  .calculator { grid-template-columns: 1fr; }
  .calc-inputs { grid-template-columns: 1fr 1fr; }
}

@media (max-width: 720px) {
  .main-nav, .header-cta { display: none; }
  .nav-toggle { display: flex; }
  .site-header.nav-open .main-nav {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: 100%;
    left: 0;
    right: 0;
    background: var(--color-cream);
    padding: 20px 24px;
    gap: 18px;
    border-bottom: 1px solid var(--border-soft);
  }
  .site-header.nav-open .header-cta {
    display: flex;
    flex-direction: column;
    position: absolute;
    top: calc(100% + 190px);
    left: 0;
    right: 0;
    background: var(--color-cream);
    padding: 0 24px 20px;
    align-items: stretch;
  }
  .grid-3 { grid-template-columns: 1fr; }
  .steps { flex-direction: column; align-items: stretch; }
  .step-line { display: none; }
  .form-row { grid-template-columns: 1fr; }
  .footer-grid { grid-template-columns: 1fr 1fr; }
  .sticky-call { display: flex; }
  .section { padding: 64px 0; }
  .pricing-featured { transform: none; }
  .gallery-grid { grid-template-columns: 1fr; gap: 16px; }
  .calc-inputs { grid-template-columns: 1fr; }
  .calculator { padding: 24px; }
}

@media (max-width: 480px) {
  .footer-grid { grid-template-columns: 1fr; }
}